Tax and legal advice
Paul Cahill

Is an SMSF worth it?

By Paul Cahill

More people are looking to take control of their superannuation, but buying property through your SMSF may not be for everyone. 

Blogger: Paul Cahill, CEO, Club Plus Super 

There are a growing number of people looking to invest in property through a self-managed super fund (SMSF). As someone involved in the careful management of more than 100,000 Australians’ retirement savings, I’ve seen this first hand.

While an SMSF may be appropriate for some, it’s not the best choice for everyone.

With this being the case, I have outlined three key considerations that all investors should take into account before setting up an SMSF to purchase property.

DIVERSIFICATION
First and foremost, investors should be aware that establishing an SMSF to buy property could result in their superannuation not having an adequate level of diversification. In many cases, property acquisitions will make up all, or most, of an SMSF.

Given that the two biggest investments most people will make in their lives are a property purchase and superannuation, this approach can leave investors exposed to the market fluctuations of a single asset class.

Maintaining a diversified superannuation portfolio can limit or mitigate the impacts of these fluctuations on an investor’s retirement savings.

ADMINISTRATION COSTS
It is important for investors to recognise that managing an SMSF can require significant time and expense to ensure all legal, taxation and administrative requirements are met.

While most SMSFs are established to capitalise on perceived cost savings, many SMSF trustees soon discover that managing their own super is both costly and time consuming. Failure to meet the regulatory requirements around SMSFs can also result in significant penalties from the Australian Taxation Office.

INSURANCE AND COMPENSATION
I’ve seen countless examples of the importance of income protection and life insurance, not to mention the relief that automatic cover brings to so many Australian families.

Investors often don’t realise they forgo automatic insurance cover upon moving to an SMSF. Why? Because they don’t even know they have it in the first place.

This means SMSF investors can end up with less cover, no cover at all or pay significantly more to achieve the level of cover they had through their industry or retail fund. Without automatic acceptance they may also need to get underwritten, which can involve blood and bio tests.

Additionally, while Australian Prudential Regulation Authority-regulated funds are eligible for compensation if they suffer loss due to fraud or theft, SMSFs are not.

THE RIGHT STRATEGY
Investors looking to invest in property without giving up the protection and security provided by a fund structure would be wise to check whether their super fund offers a direct investment option (DIO), rather than jumping on the SMSF bandwagon without being adequately prepared.

While SMSFs may be appropriate for some Australians looking to purchase property, I strongly encourage all investors to carefully weigh up the pros and cons before committing.

Remember, this is your retirement savings. Make time to get professional financial advice to ensure you arrive at a decision.

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About the Blogger

Paul Cahill

Paul Cahill

Paul joined Club Plus Super in November 2007. He is the inaugural Chief Executive Officer of Club Plus Superannuation and is the Responsible Officer for the fund. Previously, Paul was the CEO of the Australian Meat Industry Superannuation Trust (AMIST) for 16 years.

With qualifications in both finance and commerce, in addition to holding an Executive MBA, Paul’s focus at Club Plus Super is ensuring that all members receive first class returns, services, and superannuation and pension related products.

FROM THE WEB

podcast

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

3 big property investment myths busted open
5 steps to take on low-risk property developments
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Tune in to the latest episode of Property Showcase, the podcast with the inside track on the products and businesses that will help turbocharge your portfolio, maximise returns and make your overall investment experience seamless and stress-free!

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

How technology is changing the lending environment
Lessons from a falling market
APRA investor measures have ‘run beyond their usefulness’: industry body

 

AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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Getting finance approved in this tightening lending environment

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